Shopping Plaza 12th & "0" Streets
The Center of it ALL!
Hours:
Mon.-Fri. 10-9
Sat. 10-5:30
Sun. 12-5
lco<.y,
fiSjgjP What Happened on the Day
^ You Were Born?
READ YOUR "SPECIAL EDITION" OF
I
AND FIND OUT!
Ea< h "Sfiet i.»l Edition" is prrynwli/fd with the recipient's
name and Ixrlh dale right in our store
And it's packed with information about the year. Month and
dale born, famous people who share the birthday, the year's top
story, popular tunes of the year, and much more'
Give one to every friend and family member—the "Times" is
a unique gift and a fun keepsake Hot off our press in a handsome
folder for just $2 SO'
• • i • • / CS- .V./ V" /T?
Patty's
3^ Centrum Plaza - Ground Level 477-8014
Enlighten Your Room
• Posters
• Kinetic Sculpture
• Aqua tanks
• Nebraska football
merchandise
• Buttons
• "Teddies in teddies"
• Masks
• Precious moments
figures
• Brass items
• Wicker
• Picture frames
• Desk calanders
• Mugs
• Desk lamps
at Thingsville
Centrum Gateway
475-1655 466-4488
Steful Styles
a success at any
you have to add just
ght touch.
nmand Performance
s above other styling
ons. They provide you
:h the right mix of ser
:e and style to suit
>ur personal tastes,
et them give you
oday’s most tempting
hairstyles.
Appointments
Accepted
20% o„
complete services
with a student discount card
Command^ Try our Wolff Tanning Beds
Pertonnance AHA AOQ1
STYLING SALONS f TC“vF^dlOX
We ve got the style for you. Open M-F til 9 Sat. 9-5:30 Sun 12-5
2nd Level Centrum
I Kodak & Fuji I
I FILM
SALE
OUR COST
IS YOUR COST
I • ON COLOR PRINT FILM
I THE BEST PHOTOFINISHING SINCE 1946 I
1 HOUR PHOTOS
CENTRUM PLAZA
| OFFER ENOS 8/31/87 j
' Centerstage Shoes
“The Image Maker"
2ND LEVEL CENTRUM
Safer than a shoe box,
banking services
give students options
By Trevor McArthur
Staff Reporter
Students may not have much cash to
invest, but they still need some place
safer than a drawer or a box to keep
their money.
What many students need is a sav
ings or checking account.
Since deregulation of the banking
industry in 1981, the differences be
tween the services offered by banks
and savings and loan companies have
faded.
Jim Mastera, executive vice presi
dent of Cornhusker Bank, attributed
the change to the greater prestige of
banks as well as the strength of the
Federal Depository Insurance Corp
oration.
One recent revolution in banking is the
automatic teller machine. Cards for
these machines allow withdrawals and
deposits from accounts at teller loca
tions linked by computer networks.
The following summaries give a brief
outline of each institution’s basic
services:
Savings and loans
First Federal Lincoln has almost a
dozen locations around Lincoln and
about 61 branches across the state.
Automatic teller cards are linked
with Networks for more statewide ser
vice and Cirrus for nationwide access.
Bills can be paid by phone, or Fixed
payments can be sent automatically.
A money market account can earn
daily interest with a balance over $300.
Interest rates change weekly and vary
according to how much money you have
in the account.
Lincoln Federal Savings and
Loan is a smaller institution with
seven locations in six cities, including
two in Lincoln.
Checking accounts earn interest with
a $100 balance, with a $5 charge if the
amount drops below that.
A money market account allows for
some check writing while earning
interest at a rate which increases as
the account balance goes up.
Provident Federal Savings Bank
has three locations, two in Lincoln and
one in Waverly.
Customers who keep at least $500 in
the basic NOW account earn interest.
Those who have at least $300 are free of
service charges. Otherwise it’s $5 per
month.
Commercial Federal Savings
and Loan has branches in Denver and
Kansas City, Kan., as well as in nearly a
dozen Nebraska towns. With the Cash
Card, customers deposit or withdraw
money at any teller machine on the
Cirrus, Nationet, Shazam or Nets net
works across the state and country. A
telephone bill-paying service allows
bill paying over the phone day or night.
Traditional checking has no min
imum balance and allows the first 15
checks per month free, and 25 cents
each after that. It has a service charge
of $3.50 per month. Check Plus I charges
$5-$8 per month for accounts under
$200, but all check writing is free along
with personalized check orders. Inter
est is earned when there’s at least $200
in the account. Check Plus II has a fee
of $6 a month, among other services.
American Charter Federal
Savings and Loan Association
has teller machine cards and a Classic
Visa card that doubles as a teller card.
American Charter offers several
checking plans that pay differing interst
rates.
Occidental Nebraska Federal
Savings Bank has a home office in
Omaha and more than 20 branches
across the state. Two branches are
located in Lincoln, both on O Street.
The teller machine cards work with the
Cirrus, Nationet or Networks systems.
I Banks
Vistar is a relatively new bank in Lin
coln with a wide range of services for
depositors including notary services
and Instant Cash cards.
The basic checking accounts have no
monthly fee or required minimum bal
ance. A 25-cent fee is charged on every
withdrawal. Regular checking accounts
have no monthly or per check fee if at
least $400 or an average of $750 is kept
in the account. Interest-bearing NOW
and super NOW accounts are offered
for those who maintain a balance of at
least $750 or $1,000.
See BANKS on 24